{"id":2996,"date":"2019-05-05T22:09:20","date_gmt":"2019-05-06T03:09:20","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=2996"},"modified":"2026-06-23T02:05:46","modified_gmt":"2026-06-23T02:05:46","slug":"posibles-razones-por-las-que-tu-solicitud-de-prestamo-personal-fue-denegada","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/05\/possible-reasons-why-your-personal-loan-application-got-denied\/","title":{"rendered":"Posibles razones por las que tu solicitud de pr\u00e9stamo personal fue denegada"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">denegado <\/span><a href=\"https:\/\/payment1.com\/es\/prestamos-personales-2\/\"><span style=\"font-weight: 400;\">pr\u00e9stamo personal<\/span><\/a><span style=\"font-weight: 400;\"> puede ser decepcionante. La mayor\u00eda de la gente tambi\u00e9n est\u00e1 perpleja. Incluso la gente con fuerte <\/span><a href=\"https:\/\/payment1.com\/es\/2019\/01\/11\/que-saber-sobre-el-puntaje-de-credito\/\"><span style=\"font-weight: 400;\">puntajes de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\"> pueden ser rechazados, haci\u00e9ndoles preguntarse por qu\u00e9. <\/span><span style=\"font-weight: 400;\">En este art\u00edculo, discutiremos las posibles razones de un <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal denegado<\/span><span style=\"font-weight: 400;\"> y algunas alternativas a considerar. Pero antes, definamos qu\u00e9 es un pr\u00e9stamo personal.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfQu\u00e9 es un pr\u00e9stamo personal?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Un pr\u00e9stamo personal es dinero prestado de un prestamista que puede usarse de diversas maneras, como para financiar <\/span><a href=\"https:\/\/payment1.com\/es\/como-obtener-un-prestamo-para-automovil-sin-historial-crediticio\/\"><span style=\"font-weight: 400;\">una compra de alto valor como un coche<\/span><\/a><span style=\"font-weight: 400;\"> o una casa, pagar deudas o cubrir gastos importantes como una boda. Los pr\u00e9stamos personales se pueden obtener de cooperativas de cr\u00e9dito, bancos y prestamistas en l\u00ednea. Generalmente son pr\u00e9stamos sin garant\u00eda, lo que significa que no es necesario poner nada como colateral. Debido a esto, los prestamistas basan su decisi\u00f3n de aprobar tu solicitud en factores como el historial crediticio, el flujo de caja libre y la relaci\u00f3n deuda-ingresos, entre otros.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfCu\u00e1l es el proceso de solicitud de pr\u00e9stamo?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aqu\u00ed tienes una gu\u00eda breve sobre c\u00f3mo obtener un pr\u00e9stamo personal.<\/span><\/p>\n<ul>\n<li>1. Intenta consultar tu cr\u00e9dito. Una puntuaci\u00f3n de cr\u00e9dito m\u00e1s alta te da una mejor oportunidad de que te aprueben un pr\u00e9stamo. Si tu puntuaci\u00f3n es baja, puedes averiguar si hay errores en tu cr\u00e9dito que deban ser disputados o tomar medidas para aumentar tu puntuaci\u00f3n de cr\u00e9dito.<\/li>\n<li>2. Paga parte de tu deuda actual. Reduce tu relaci\u00f3n deuda-ingresos tanto como sea posible, especialmente si est\u00e1 por debajo de 45%.<\/li>\n<li>3. Compara las tasas de m\u00faltiples prestamistas. Una vez que hayas puesto tus finanzas en orden, puedes buscar las mejores tasas. Compara las APR, los montos de los pr\u00e9stamos, los plazos de pago y la reputaci\u00f3n del prestamista.<\/li>\n<li>4. Env\u00eda los documentos requeridos. Solicita formalmente un pr\u00e9stamo personal. Los prestamistas suelen requerir recibos de sueldo o estados de cuenta bancarios, y otros documentos que contengan tu informaci\u00f3n financiera.<\/li>\n<li>5. Recibe los fondos. Una vez que te aprueben el pr\u00e9stamo, recibir\u00e1s el dinero en unos pocos d\u00edas h\u00e1biles. Configura tu plan de pagos de inmediato para evitar olvidos y pagos atrasados.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Si tu solicitud es rechazada, es esencial saber por qu\u00e9.<\/span><span style=\"font-weight: 400;\"> A continuaci\u00f3n te presentamos algunas razones comunes por las que los bancos niegan las solicitudes de pr\u00e9stamos personales, para que la pr\u00f3xima vez que solicites uno, sepas qu\u00e9 hacer y qu\u00e9 no hacer.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfCu\u00e1les son las posibles razones para un <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal denegado<\/span><span style=\"font-weight: 400;\"> \u00bfaplicaci\u00f3n?<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Puntaje de cr\u00e9dito malo<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Para empezar, eliminemos la raz\u00f3n m\u00e1s obvia. Es m\u00e1s probable que los prestamistas nieguen tus solicitudes de pr\u00e9stamos personales cuando tienes un historial crediticio deficiente. Tu puntaje de cr\u00e9dito le indica a los bancos la probabilidad de que les pagues el pr\u00e9stamo. Si tu historial de pagos de deudas no es muy bueno, lo m\u00e1s probable es que tu banco se resista a otorgarte pr\u00e9stamos.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">El monto del pr\u00e9stamo es demasiado alto<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Los prestamistas considerar\u00e1n tu capacidad de pago al solicitar un pr\u00e9stamo. Por lo tanto, los bancos probablemente denegar\u00e1n tu solicitud cuando llenes ese formulario de solicitud de pr\u00e9stamo y pongas una cantidad demasiado alta en el campo \u201cmonto de pr\u00e9stamo deseado\u201d. Para evitar este error, utiliza una calculadora de pr\u00e9stamos en l\u00ednea. Las calculadoras de pr\u00e9stamos pueden decirte cu\u00e1nto puedes pedir prestado, dados tus ingresos actuales.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Historial laboral inestable<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dado que los bancos consideran tu capacidad para pagar el pr\u00e9stamo a largo plazo, revisar\u00e1n tu historial laboral. Por lo tanto, si tienes un historial laboral inestable o, peor a\u00fan, no tienes empleo, los bancos ser\u00e1n reacios a aprobar tu solicitud de pr\u00e9stamo. Adem\u00e1s, los prestamistas requerir\u00e1n una antig\u00fcedad o duraci\u00f3n de servicio laboral particular, raz\u00f3n por la cual los bancos suelen pedir que presentes un certificado de empleo.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Ingresos insuficientes<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Es muy probable que no te aprueben si no ganas lo suficiente para solicitar un pr\u00e9stamo. Esto se debe a que necesitas poder generar <\/span><a href=\"https:\/\/payment1.com\/es\/estrategias-inteligentes-de-amortizacion-que-debes-conocer\/\"><span style=\"font-weight: 400;\">pagos mensuales del pr\u00e9stamo<\/span><\/a><span style=\"font-weight: 400;\">. Si no ganas lo suficiente para pagarles y al mismo tiempo cubrir tus necesidades b\u00e1sicas, los prestamistas no te otorgar\u00e1n un pr\u00e9stamo. Nuevamente, esto se debe a que es muy probable que uses tus ingresos para tus necesidades b\u00e1sicas en lugar de para pagar el pr\u00e9stamo.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Tienes demasiada deuda<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cuando solicitas un pr\u00e9stamo personal, tu banco realizar\u00e1 una verificaci\u00f3n de antecedentes para ver si tienes pr\u00e9stamos pendientes. Esto es para asegurarse de que puedes pagar. Cumples con el requisito de ingresos m\u00ednimos y tienes un buen puntaje de cr\u00e9dito, pero tienes varios pr\u00e9stamos pendientes. Lo m\u00e1s probable es que duden en otorgarte otro. Cuantos m\u00e1s pr\u00e9stamos tengas, menor ser\u00e1 tu capacidad para pagar un pr\u00e9stamo adicional.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">C\u00f3mo llenar la solicitud de pr\u00e9stamo<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Los prestamistas podr\u00edan no otorgarte tu pr\u00e9stamo personal si hay errores o inconsistencias en tu solicitud. Por lo tanto, tus datos deben ser completos, correctos y consistentes. Mentir en tu solicitud ser\u00e1 motivo de rechazo y podr\u00eda ponerte en una situaci\u00f3n desfavorable con tu banco.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfCu\u00e1les son las alternativas a los pr\u00e9stamos personales?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Si un pr\u00e9stamo personal no es tu mejor opci\u00f3n en este momento, existen alternativas. Aqu\u00ed algunas de ellas.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Tarjeta de cr\u00e9dito<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Esto puede funcionar para gastos peque\u00f1os y urgentes y te servir\u00e1 mejor si puedes saldar tu saldo e intereses al final de cada mes.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pr\u00e9stamo sobre el valor l\u00edquido de la vivienda<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Este tipo de pr\u00e9stamo te permite pedir dinero prestado aprovechando el capital que tienes en tu casa, usualmente a una tasa de inter\u00e9s m\u00e1s baja que otros tipos de pr\u00e9stamos.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pr\u00e9stamo de 401(k)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Otra opci\u00f3n es pedir prestado dinero de tu cuenta de jubilaci\u00f3n. Esto funciona si tienes un trabajo estable y puedes asegurarte de que podr\u00e1s pagar la deuda en menos de cinco a\u00f1os.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Una l\u00ednea de cr\u00e9dito personal<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Un prestamista pone una cierta cantidad de dinero a tu disposici\u00f3n cada vez que lo necesitas. Te permite pedir prestado de forma continua con un l\u00edmite. Este tipo de pr\u00e9stamo puede ofrecer l\u00edmites de cr\u00e9dito m\u00e1s altos que las tarjetas de cr\u00e9dito.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Amigos y parientes<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Sup\u00f3n que tienes amigos y familiares con quienes te sientes c\u00f3modo compartiendo tu situaci\u00f3n financiera y pidiendo dinero prestado. En ese caso, podr\u00eda valer la pena intentarlo. Aseg\u00farate de redactar un plan de pago y disc\u00fatelo de antemano para evitar malentendidos.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Pensamientos finales<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Considera la lista anterior la pr\u00f3xima vez que solicites un pr\u00e9stamo personal. Aseg\u00farate de completar la solicitud de forma \u00edntegra y honesta, tener un buen puntaje de cr\u00e9dito e ingresos suficientes para realizar los pagos, y haber estado empleado por un tiempo.<\/span><\/p>\n<p><a href=\"https:\/\/www.freepik.com\/free-photo\/loan-application-financial-help-form-concept_19140380.htm#query=personal%20loan%20application&amp;position=0&amp;from_view=search&amp;track=sph\">Imagen por rawpixel.com<\/a> en Freepik<\/p>","protected":false},"excerpt":{"rendered":"<p>A denied personal loan can be disappointing. Most people are also puzzled. Even people with strong credit scores can get rejected, making them wonder why. In this article, we will discuss the possible reasons for a denied personal loan and a few alternatives to consider. But first, let\u2019s define what a personal loan is. What [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":48473,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,38],"tags":[107,113,104],"class_list":["post-2996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-promotions","tag-credit-scores","tag-financial-education","tag-personal-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Possible Reasons Why Your Personal Loan Application Got Denied - Payment 1<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payment1.com\/es\/2019\/05\/posibles-razones-por-las-que-tu-solicitud-de-prestamo-personal-fue-denegada\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Possible Reasons Why Your Personal Loan Application Got Denied - Payment 1\" \/>\n<meta property=\"og:description\" content=\"A denied personal loan can be disappointing. Most people are also puzzled. Even people with strong credit scores can get rejected, making them wonder why. In this article, we will discuss the possible reasons for a denied personal loan and a few alternatives to consider. But first, let\u2019s define what a personal loan is. What [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/payment1.com\/es\/2019\/05\/posibles-razones-por-las-que-tu-solicitud-de-prestamo-personal-fue-denegada\/\" \/>\n<meta property=\"og:site_name\" content=\"Payment 1\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Payment1Financial\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-06T03:09:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-23T02:05:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/payment1.com\/wp-content\/uploads\/2019\/05\/loan-application-financial-help-form-concept-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1805\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bendon Gaddy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bendon Gaddy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/05\\\/possible-reasons-why-your-personal-loan-application-got-denied\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/05\\\/possible-reasons-why-your-personal-loan-application-got-denied\\\/\"},\"author\":{\"name\":\"Bendon Gaddy\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#\\\/schema\\\/person\\\/50f1639f35a81c60bcfce25db2cae621\"},\"headline\":\"Possible Reasons Why Your Personal Loan Application Got Denied\",\"datePublished\":\"2019-05-06T03:09:20+00:00\",\"dateModified\":\"2026-06-23T02:05:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/05\\\/possible-reasons-why-your-personal-loan-application-got-denied\\\/\"},\"wordCount\":1067,\"publisher\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/05\\\/possible-reasons-why-your-personal-loan-application-got-denied\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2019\\\/05\\\/loan-application-financial-help-form-concept-scaled-1.jpg\",\"keywords\":[\"Credit Scores\",\"Financial Education\",\"Personal Loans\"],\"articleSection\":[\"Articles\",\"Promotions\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2019\\\/05\\\/possible-reasons-why-your-personal-loan-application-got-denied\\\/\",\"url\":\"https:\\\/\\\/payment1.com\\\/2019\\\/05\\\/possible-reasons-why-your-personal-loan-application-got-denied\\\/\",\"name\":\"Possible Reasons Why Your Personal Loan Application Got Denied - 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Payment 1","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/payment1.com\/es\/2019\/05\/posibles-razones-por-las-que-tu-solicitud-de-prestamo-personal-fue-denegada\/","og_locale":"es_MX","og_type":"article","og_title":"Possible Reasons Why Your Personal Loan Application Got Denied - Payment 1","og_description":"A denied personal loan can be disappointing. Most people are also puzzled. Even people with strong credit scores can get rejected, making them wonder why. In this article, we will discuss the possible reasons for a denied personal loan and a few alternatives to consider. But first, let\u2019s define what a personal loan is. 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